The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$8,147
−HK$510/mo
▼ 0.25% · 3.875%
HK$8,400
−HK$257/mo
Today · 4.125%
HK$8,657
baseline
▲ 0.50% · 4.625%
HK$9,184
+HK$527/mo
Deposit HK$1.79M · loan HK$1.79M · min. income ≈ HK$17,314/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,063
−HK$490/mo
▼ 0.25% · 3.875%
HK$9,306
−HK$247/mo
Today · 4.125%
HK$9,553
baseline
▲ 0.50% · 4.625%
HK$10,056
+HK$503/mo
Deposit HK$1.79M · loan HK$1.79M · min. income ≈ HK$19,106/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,776
−HK$613/mo
▼ 0.25% · 3.875%
HK$10,080
−HK$309/mo
Today · 4.125%
HK$10,389
baseline
▲ 0.50% · 4.625%
HK$11,021
+HK$632/mo
Deposit HK$1.43M · loan HK$2.14M · min. income ≈ HK$20,778/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,876
−HK$587/mo
▼ 0.25% · 3.875%
HK$11,167
−HK$296/mo
Today · 4.125%
HK$11,463
baseline
▲ 0.50% · 4.625%
HK$12,067
+HK$604/mo
Deposit HK$1.43M · loan HK$2.14M · min. income ≈ HK$22,926/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,405
−HK$715/mo
▼ 0.25% · 3.875%
HK$11,760
−HK$360/mo
Today · 4.125%
HK$12,120
baseline
▲ 0.50% · 4.625%
HK$12,858
+HK$738/mo
Deposit HK$1.07M · loan HK$2.50M · min. income ≈ HK$24,240/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,688
−HK$686/mo
▼ 0.25% · 3.875%
HK$13,028
−HK$346/mo
Today · 4.125%
HK$13,374
baseline
▲ 0.50% · 4.625%
HK$14,079
+HK$705/mo
Deposit HK$1.07M · loan HK$2.50M · min. income ≈ HK$26,748/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,664
−HK$919/mo
▼ 0.25% · 3.875%
HK$15,120
−HK$463/mo
Today · 4.125%
HK$15,583
baseline
▲ 0.50% · 4.625%
HK$16,532
+HK$949/mo
Deposit HK$357K · loan HK$3.22M · min. income ≈ HK$31,166/mo (50% DSR)
Upfront cash ≈ HK$357K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,313
−HK$882/mo
▼ 0.25% · 3.875%
HK$16,751
−HK$444/mo
Today · 4.125%
HK$17,195
baseline
▲ 0.50% · 4.625%
HK$18,101
+HK$906/mo
Deposit HK$357K · loan HK$3.22M · min. income ≈ HK$34,390/mo (50% DSR)
Upfront cash ≈ HK$357K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).